UC help please!

dooey1

Hello. Have just migrated so I am still v confused.
At end of AP , Do I submit what in bank account on that day? What do I reduce or disregard from that amount? Someone has said about benefits and pay from that time taken off, or any COL payments not used?
An actual clear formula would be helpful. Thank you.

Spoonie_Turtle

Before I type the rest of it out, are your savings (minus any Cost of Living Payments that you didn't spend, and not including benefit amounts that went into your account during the AP) above £6,000?  Because if not there's nothing to report.

dooey1

Yes-7200 in account on day claim 1st sent.

dooey1

There was 7200 when claim started. During  1st AP , 400 went in for wages ,PIP and 1 ESA payment.  At end of AP do I  do calculate as so,    7200- 400-benefits= ?? ( should I put that total as new savings?) will still be over 6000.
sorry to be so daft!

Spoonie_Turtle

Nearly.  You take the total of all accounts on the last day of your AP, minus income (wages, benefit payments) and minus any disregarded capital if applicable.  - based on my current understanding, but it's a murky subject, but that's how DWP have dealt with it in cases we've seen here so far.

[The other option (I think) is to total it all up, minus the starting 7200, see how the difference compares to the total of income received, and … that's where I get lost.]

The main trouble is, with either method, when reporting they ask you for the current totals and there's nowhere to separate out capital from income.  So you have to report it all and then follow up with a journal message and I don't know what happens then, whether they act on your message or not.  Because they will take deductions based on the totals of your money (minus any disregarded capital) but that includes income, of which you'll have potentially already had a deduction for wages, and benefit payments which do not affect UC payments in the AP in which they're received.  So to base deductions on the overall total is incorrect and they'll take too much money.

It's a right mess.

dooey1

Thank you - still waiting for them to reply to my journal questions (2 separate entries) asking just that! The  1st AP has just ended so just submitted what in the account on last day of AP with no deductions. Probably wrong.
Only another 3.5 wks til this happens again! Wish me luck! Any ideas who I could contact other wise for definitive answer?